Call reports 2009
INTERNATIONAL BANK OF COMMERCE — 2009
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 485,958,000 | 453,714,000 | 455,220,000 | 454,435,000 |
| Total loans | 124,153,000 | 128,666,000 | 132,331,000 | 132,466,000 |
| Allowance for loan losses | 1,416,000 | 1,451,000 | 1,561,000 | 1,483,000 |
| Securities available for sale | 293,938,000 | 283,114,000 | 268,456,000 | 256,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,736,000 | 371,473,000 | 348,625,000 | 374,445,000 |
| Interest-bearing deposits | 343,634,000 | 318,663,000 | 299,703,000 | 324,359,000 |
| Noninterest-bearing deposits | 58,102,000 | 52,810,000 | 48,922,000 | 50,086,000 |
| Equity capital | 52,645,000 | 54,639,000 | 56,256,000 | 59,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,677,000 | 11,162,000 | 16,477,000 | 21,524,000 |
| Interest expense | 1,326,000 | 2,503,000 | 3,594,000 | 4,514,000 |
| Net interest income | 4,351,000 | 8,659,000 | 12,883,000 | 17,010,000 |
| Noninterest income | 2,003,000 | 4,023,000 | 6,108,000 | 8,213,000 |
| Noninterest expense | 2,713,000 | 5,788,000 | 8,809,000 | 11,573,000 |
| Provision for loan losses | 178,000 | 373,000 | 686,000 | 992,000 |
| Pretax income | 3,463,000 | 6,535,000 | 9,514,000 | 12,676,000 |
| Income tax | 1,197,000 | 2,258,000 | 3,258,000 | 4,357,000 |
| Net income | 2,266,000 | 4,277,000 | 6,256,000 | 8,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,941,000 | 44,995,000 | 47,015,000 | 49,120,000 |
| Total capital | 44,413,000 | 46,500,000 | 48,628,000 | 50,648,000 |
| Risk-weighted assets | 169,110,000 | 169,342,000 | 173,507,000 | 174,664,000 |